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Upturn AI SWOT - About
OSBC 
Old Second Bancorp Inc (OSBC)
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Upturn Advisory Summary
07/09/2025: OSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $20.5
1 Year Target Price $20.5
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.67% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 853.82M USD | Price to earnings Ratio 10.36 | 1Y Target Price 20.5 |
Price to earnings Ratio 10.36 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 14.09 - 19.39 | Updated Date 07/9/2025 |
52 Weeks Range 14.09 - 19.39 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 1.35% | Basic EPS (TTM) 1.83 |
Earnings Date
Report Date 2025-07-15 | When After Market | Estimate 0.4633 | Actual - |
Profitability
Profit Margin 30.39% | Operating Margin (TTM) 42.06% |
Management Effectiveness
Return on Assets (TTM) 1.48% | Return on Equity (TTM) 12.98% |
Valuation
Trailing PE 10.36 | Forward PE 8.6 | Enterprise Value 664742656 | Price to Sales(TTM) 3.1 |
Enterprise Value 664742656 | Price to Sales(TTM) 3.1 | ||
Enterprise Value to Revenue 3.31 | Enterprise Value to EBITDA - | Shares Outstanding 45056200 | Shares Floating 43344499 |
Shares Outstanding 45056200 | Shares Floating 43344499 | ||
Percent Insiders 4.97 | Percent Institutions 75.61 |
Upturn AI SWOT
Old Second Bancorp Inc
Company Overview
History and Background
Old Second Bancorp, Inc. was founded in 1871 and is headquartered in Aurora, Illinois. It operates as the bank holding company for Old Second National Bank, providing banking services to communities in northern and central Illinois.
Core Business Areas
- Commercial Banking: Offers a variety of commercial lending products, treasury management services, and deposit accounts to businesses of all sizes.
- Retail Banking: Provides consumer banking services, including checking and savings accounts, mortgage loans, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The company is led by its executive team, headed by the CEO, and overseen by a Board of Directors. The structure includes various departments like lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, lines of credit, and commercial real estate loans. Market share data is not readily available but competition comes from larger national banks and other regional banks. Competitors include JP Morgan Chase, BMO Harris.
- Mortgage Loans: Offers a range of mortgage products for home purchase and refinancing. Market share data is not readily available. Competitors include Guaranteed Rate and Rocket Mortgage.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Competitors include Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, rising interest rates, and growing competition from fintech companies. Consolidation and technological advancements are also shaping the landscape.
Positioning
Old Second Bancorp Inc. focuses on serving the banking needs of communities in northern and central Illinois. Its competitive advantages include its long-standing presence in the region and its focus on customer service.
Total Addressable Market (TAM)
The total addressable market is estimated to be the total banking service revenue in Illinois, valued at hundreds of billions of USD. Old Second Bancorp is positioned as a local player, competing with national and regional banks for a share of this market.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified product offerings
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Reliance on local economy
- Lower technological advancements compared to peers
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BOH
- TCBI
- HBNC
- UCBI
- MBWM
Competitive Landscape
Old Second Bancorp Inc. competes with larger national banks and smaller regional banks. Its competitive advantages include its strong community relationships and focus on customer service. However, it faces challenges from larger banks with greater resources and fintech companies with innovative technology.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is expected to be moderate, driven by expansion in existing markets and new product offerings. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Old Second Bancorp Inc. is a community-focused bank with a long history in Illinois. While its strong community ties are an asset, its smaller size relative to national players and limited geographic reach present challenges. Future growth will depend on successful digital transformation and strategic expansion while navigating a competitive landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Second Bancorp Inc
Exchange NASDAQ | Headquaters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 877 | Website https://www.oldsecond.com |
Full time employees 877 | Website https://www.oldsecond.com | ||
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.
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